Is Retirement Out Of The Question For You

Author John Patrick

May 9th 10:17 AM

Mr and Mrs Octavius after their safe was stolen, UK, 1960. (Photo by Durrant/Daily Express/Getty Images)

It’s a topic we discuss often on the morning show, is retirement out of the question for you?

We discuss it on the show for a variety of reasons, one, we’re both in our 60’s and it crosses our minds often. Many of our listeners are either retired or getting close to retiring. It’s an important hot topic.

A recent study on retirement

Mass Mutual recently did a study, and it found that about 20% of Americans have no plans to retire. Ever.

Let’s dig into it. For many of us, when tackling this topic, money comes up quick. Will you have enough? Are you currently saving enough? How much is enough? The study showed many of us aren’t ready financially.

Another thing that comes up, health care. We’re scared of losing our employer-sponsored health care coverage. More than 20% of us don’t have emergency funds to cover medical expenses.

Let’s look at it differently, there’s nothing that says you must retire at any age. Many of us are still enjoying our careers. We like challenges, we like the people. Will we be bored in retirement? Will we not be as social? If you don’t like your job, there’s always the opportunity to do something else.

Is it a bad thing if we never retire? We’ve all heard the stories. Pretty much all of us know someone that unfortunately, immediately after retiring, dies. Had they kept working, kept busy and productive, would that have been the case? I have no idea, and neither do you.

In the end, it’s a personal decision. Have you properly prepared yourself for retirement, financially, emotionally? Is it something you’re looking forward to or is it something you’re dreading? How’s your health? Also, something to consider.

As far as we’re concerned on the morning show, we’re still wondering and debating. We love what we do, although the hours are a bit tough as we get older. We’ll see as we move forward. We’re taking it day by day. How about you?

Signs You'll Live a Long Life

There are some special signs you’ll live a long life and even possibly make it to 100. When you’re in your teens, you might feel like you’re going to live forever. But, as the years ago by, you’re probably getting more aware of your fallibility and the inevitability that one day, you’ll no longer be on this Earth. Not to sound depressing, but the good news is that there are these signs you’ll live a long life and things you can do to increase your chances of doing so.

The Average Lifespan of Americans

Before we get to some signs you’ll live a long life, let’s talk about the average lifespan of Americans today. According to the experts at Healthsystemtracker.org, “In 1980, life expectancy at birth in the U.S. and in comparably large and wealthy countries was similar, but over recent decades, life expectancy improved by much more in peer nations than it has in the U.S. The COVID-19 pandemic increased mortality and premature death rates in the U.S. by more than it did in most peer countries, widening a gap that already existed before the pandemic.” So, the lifespan of Americans is trending in the wrong direction. In fact, according to their numbers, life expectancy in the U.S. went down by 1.3 years from 2019 before the COVID-19 pandemic to 2022. But, in “peer countries,” life expectancies dropped by an average of 0.5 years in that same time window. Life expectancy in the U.S. went up by 1.1 years from 2021 to 2022, following the pandemic, but it’s still “well below pre-pandemic levels and continues to lag behind life expectancy in comparable countries, on average,” they note.

According to the CDC, the life expectancy for both sexes at birth is 76.4 years. For males, it’s 73.5 years, and for females, it’s 79.3 years. The CDC also notes that, “The infant mortality rate was 543.6 infant deaths per 100,000 live births in 2021. The change in infant mortality from 2020 was not statistically significant.” They add that, “Nine of the 10 leading causes of death in 2021 remained the same as in 2020. Heart disease, cancer, and COVID-19 remained the top 3 leading causes.” If you’re wondering about infant mortality, the leading causes of infant death in 2021 according to the experts at the CDC were “congenital malformations, low birth weight, sudden infant death syndrome, unintentional injuries, maternal complications, cord and placental complications, bacterial sepsis of newborn, respiratory distress of newborn, diseases of the circulatory system, and intrauterine hypoxia and birth asphyxia).” But, enough about death. Let’s get into some things to look out for that are signs you’ll live a long life. Hopefully you’ll make it to 100 or older.

Signs You’ll Live a Long Life

1. You Eat These Healthy Things
According to a University of Michigan study (via TheHealthy.com), “Women who consumed the most veggies and fruit had a 46 percent lower chance of dying over a five-year period compared with those who ate them infrequently. The study involved 700 participants in their 70s.

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2. You Workout (Specifically, Run 40 Minutes a Day)
According to NBCNews.com, “Scientists in California found that middle-aged people” who ran “for a total of about 5 hours per week lived longer and functioned better physically and cognitively as they got older.” They state that the “researchers tracked runners and nonrunners for 21 years.” Aside from running, CNBC.com states that, “Strength training twice a week and aerobic exercise three times a week, even if for just 10 minutes a day” also helps.

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3. For Women, You Had a Baby After Age 44
For women, if you were pregnant and had a baby naturally after age 44, “you’re about 15 percent less likely to die during any year after age 50 than your friends who had their babies before age 40, reports a recent University of Utah study,” via NBCNews.com. Lead researcher Ken R. Smith, PhD, professor of human development at the university, tells NBCNews.com, “If your ovaries are healthy and you are capable of having children at that age, that’s a marker that you have genes operating that will help you live longer.”

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4. You Socialize
The National Library of Medicine states that people with bigger social networks and who socialize tend to live longer. In the study, Dr. Freeman states, “People who have more social support tend to have enhanced mental health, cardiovascular health, immunological functioning, cognitive performance, resilience, life satisfaction, stress response and more.”

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5. You're Slim in the Waist
TheHealthy.com states that, “Women with a waist of 37 inches or more had a life expectancy that was five years lower after age 40 than did women with a waist of 27 inches or less, found one study. For men, a waist of 43 inches or more was linked to a three-year decrease in life expectancy compared with those with a waist of 35 inches or less.”

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6. You Drink Tea Each Day
Apparently, drinking one or two cups of tea a day is good for your health. “Both green and black tea contain catechins, which relax blood vessels. However, you should be making the tea yourself; in ready-to-drink teas, most of the catechins have probably dissolved already, so they don’t have quite the same heart-healthy power,” says TheHealth.com.

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7. You're Careful with Your Calories
“Researchers in St. Louis reported that men and women who limited their daily calories to 1,400 to 2,000 (about 25 percent fewer calories than those who followed a typical 2,000-to 3,000-calorie Western diet) were literally young at heart — their hearts functioned like those of people 15 years younger,” says NBCNews.com. So, make every calorie count, and keep calories low.

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8. You Get Your Sleep
Getting a good night’s sleep is important to overall health. According to CNBC.com, getting good sleep is one of the factors to make it to age 90. So, turn off Netflix and get some shut eye.

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9. You Have a Purpose in Life
Do you wake up each day with a purpose? Do you feel needed in this world? According to a 2014 study in the journal of Psychological Science, having a sense of purpose means you’ll have a longer life. In the study, they report that people in the study who passed away, about 10% of the participants, had reported lower scores for purpose in life.

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Bonus - Take This Longevity Test
The experts at Media.nmfn.com actually have a lifespan test that you can take online. I took it, and I won’t divulge the age is says I’ll make it to, but I was happy and pleasantly surprised by the result. It asks you some basic health and family questions. Take the test here, and hopefully you’ll be happy with the result.

Getty Images / Lordn